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Macy's CLI

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-Wade-
Valued Contributor

Re: Macy's CLI


@MissMoni223 wrote:

So, I've had my Macy's card since June 2013 with a starting limit of $100.  Got an auto CLI 2 months later to $300, and it stayed here ever since.  Well I requested a CLI on 4/18 via the online request form and I got a message just a few moments ago that I was APPROVED for a CLI of $500!  This brings my CL to $800, which is better than where I started. Smiley Happy  Is the general rule of thumb with Macy's to request a CLI every 3 months?  This was the 1st time I requested a CLI since I've had the card.


Congrats on your CLI Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 11 of 15
austinguy907
Valued Contributor

Re: Macy's CLI

Rules of the road w/ DSNB (Macy's)

 

1. I did a request over the phone and it was a SP as 99.9% of them are unless they detect something on your CR to push them to a HP

2. The credit analyst I spoke with mentioned you can call in every 6 months for a CLI

3. If you get over 700 you can apply to add the AMEX version to your account which is significantly higher CL than the store line

 

e.g.

Opened 1200/store and 5000/amex

CLI this month 1400/store and 10000/amex is what I ended up with after a 5 min phone call (or chat / e-mail form)

Message 12 of 15
ScoreOrBeScored
Valued Contributor

Re: Macy's CLI

I applied for my Macy's January 31,2014.( online)  and was approved  for $400. 15 minutes later I call and asked why such a low limit. The csr said, let me activate your card & see whT I can increase it to. $200 more . So total of $600 limit  To begin .april 4,2014 I decided to call to try for another inCrease. I said to the  CSR " yes I was told to call back in April  for a CLi " she pulls up my account and 8 seconds later she says " okay I set it for  $2,000 " I was so shocked I said " excuse me " lol she repeated herself. I said okay thank you. No hard pull at all... $1,400 increase and only had the card for 2 months. I'm currently working on Kohl's for a CLi

Message 13 of 15
TatorTodd
Regular Contributor

Re: Macy's CLI

these are all great stories, with great results.  It definitely adjusts my confidence about their CLI.  I will need to call them.  when i request a CLI online, it states that they will be pulling my report possibly.  Does no one else get this? Last time i called for CLI, they did do a HP, and this forum helped me with the tools to call them and have them take the HP off my record, it took talking for 5 different people to have this done though and was a crazy hassle.

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As of 10/13/14
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Message 14 of 15
austinguy907
Valued Contributor

Re: Macy's CLI

FCRA rules say they have to disclose they "might" pull your CR for review on a CLI request.

 

It's not 100% they won't HP but, 99.99% of the time it's SP.

Message 15 of 15
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